# Inflation Calculator India: Future Cost and Past Value > Inflation calculator India: see what something will cost in future at 6% or any rate, or what an amount from years ago is worth in today's rupees. Source: https://trykosh.com/tools/inflation-calculator Free tool - Investing # Inflation calculator for India See how inflation changes the value of money, forwards or backwards. Find what something will cost in future, or what an old amount is worth today. Rules checked 25 October 2026Free - no sign-upRuns in your browser Cost in 10 years INR 1,79,085 What costs INR 1,00,000 today INR 1,00,000 will buy only**INR 55,839 of today's goods** Prices multiply**1.8x** Purchasing power lost**44.2%** Future cost of today's amount Years Future cost Purchasing power of the original 1 INR 1,06,000 INR 94,340 5 INR 1,33,823 INR 74,726 10 INR 1,79,085 INR 55,839 At 6% a year, prices double roughly every 11.9 years. Your own inflation (school fees, healthcare, rent) can run higher than the CPI. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-inflation-calculator) ## How the inflation calculator works Inflation is the yearly rise in prices. At 6%, something that costs INR 1,00,000 today costs INR 1,06,000 next year and INR 1,79,085 in ten. The same maths in reverse tells you how little today's INR 1 lakh will buy in future. In future mode, the calculator grows today's amount at the inflation rate to show the future cost, and shrinks it to show what today's money will be worth then. In past mode, it grows an old amount to today's prices, so you can compare a salary or price from years ago with today's. The default of 6% is close to India's average consumer price inflation over the last decade. Your personal inflation depends on what you spend on: school fees, medical costs and rents have often risen faster than the overall index. These are estimates using one steady rate. Actual inflation varies from year to year. Future cost = Today's cost x (1 + inflation)ⁿ n years ## Worked example: What was INR 50,000 in 2011 worth today? Suresh's first job in 2011 paid INR 50,000 a month. At an average 6.5% inflation, that's about INR 1,28,592 in today's money, 2.6 times as much. A INR 50,000 salary today would buy what about INR 19,441 bought back then. Worth today INR 1,28,592 INR 50,000 from 15 years ago, in today's rupees Prices have multiplied**2.6x** Rise in price**INR 78,592** Today's money, back then**INR 19,441** At 6.5% a year, prices double roughly every 11.0 years. Your own inflation (school fees, healthcare, rent) can run higher than the CPI. [Load this example into the calculator ->](?mode=past&amount=50000&inflation=6.5&years=15#calculator) ## Good to know - Plan long-term goals at your own inflation, not just the headline CPI. Many planners use 8% to 10% for education and healthcare. - An investment that earns less than inflation after tax is losing purchasing power, even though the rupee balance grows. - At 6% inflation, prices double roughly every 12 years. A retirement that lasts 25 years needs income that more than quadruples along the way. ## Frequently asked questions What is the average inflation rate in India? Consumer price inflation has averaged roughly 5% to 6% a year over the last decade, with some years above 7% and some below 4%. RBI's monetary policy targets 4% CPI inflation within a band of 2% to 6%. What will INR 1 crore be worth in 20 years? At 6% inflation, INR 1 crore in 20 years will buy what about INR 31 lakh buys today. At 7%, about INR 26 lakh. That's why long-term goals need to be inflated before you plan them. How do I calculate the future value of money with inflation? Multiply today's cost by (1 + inflation rate) raised to the number of years. At 6% for 10 years, multiply by about 1.79. Is CPI or WPI inflation used for personal planning? CPI (consumer price index) measures what households pay and is the better guide for personal finances. WPI tracks wholesale prices. The Cost Inflation Index used for capital gains tax is a separate, notified number. ## Sources and assumptions - [Reserve Bank of India](https://www.rbi.org.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.